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I have a Credit score of 706

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I'm 24 and mine is 770. Had credit cards since I was 18 I think, and now have two loans that i've never made a late payment to. But yeah I think the history is more important than the number. That is why my 26 year old roommate who just got his first credit card had such a hard time getting a car loan. Even though his credit score is 720.
 
I would be more impressed if you said you were 18 and had saved a million dollars up while attending college. credit=debt. If you properly manage money a credit rating is worthless.
 
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